Jot down their first name and the age at which they were diagnosed. Picture them having received a tax-free lump sum of $100,000 or $250,000 and think about what a difference this money would have made in helping toward recovery, to maintain their lifestyle and dignity or to perhaps save their business…

In today's world the odds of surviving a critical illness are great thanks to the advances in medicine. The question is will your finances survive? Today more than ever, your physical health is directly related to your financial health when you consider the trauma and stress involved with a critical illness. Think about trying to battle cancer and yet having to go back to work to pay for all of the added expenses. Think about having a stroke and not being able to return to work and how helpful the funds from your critical illness policy would be to you. More than 800,000 critical illness policies were sold in England in 1999 versus only 100,000 life insurance policies. This coverage is quickly becoming one of the most popular in the western world. Everyone, single, married, parent, business owner has a real need for this coverage. Thankfully it is available and you can obtain it now if you are still eligible.

An open letter to you:
One of our responsibilities as Financial Advisors is to keep the public informed of changes in the life insurance industry that affect them, their families and their co-workers directly.

The Canadian health care system at the moment, is going through radical changes as governments downsize and shift more and more financial responsibility to the taxpayer. At the same time, incidents of heart attack, stroke and cancer are at an all-time high in Canada. This is causing individuals and families to spend more and more of their savings to look after themselves and family members suffering the devastating effects of surviving with a critical illness.

There is a cost-efficient and tax-effective solution available that provides financial protection against life's uncertainties.

Critical Illness Insurance pays you a lump sum, non-taxable amount of money, generally 30 days after the diagnosis of any of up to 18 different medical conditions including Cancer, Heart Attack & Stroke. The funds can be used to pay off your entire mortgage or any debts you may have, and depending on your situation, you may need to make your home more adaptable if you were to suffer physical disabilities. Perhaps you will want to be able to travel out of the country immediately to get the medical attention you need. How you spend the money is completely up to you.

We feel that this coverage is a necessary solution to an ever-growing need within our community. A financial solution that gives you choices as to how to deal with the growing financial burden you would suffer under such conditions.

Sincerely,
Dave P. Financial Services

How it works
Critical Illness insurance is a new way of protecting yourself against the high cost of rebuilding your lifestyle following critical illness. As always we will shop the entire market in Canada to find the best plan for you. It is something every Canadian should know about and it is more popular than Life Insurance in England. You choose the level of Coverage that meets your needs. Coverage is available from $25,000 to $2 million dollars. Should you contract a critical illness, you will be provided with a tax-free lump sum payment 30 days following your diagnosis, to help you maintain your lifestyle and financial security. If you do not survive 30 days or if a planholder dies for any reason there is a full return of premiums.

New Exciting Plan Option: For many clients we recommend a level premium to age 75 with full return of your premiums on your 75th birthday if no claim is made.

The most economical way to setup the plan is a simple 10 year term basis where you are guaranteed to renew your plan every ten years up to age 75 recognizing your premiums will increase every 10 years.

Critical Illness insurance will help your business continue to see the sunrise… Every morning.

Don't ignore the Statistics
Although none of us like to think about the possibility of suffering from a critical illness, the statistics show that it is a possibility we must come to terms with.

Heart and Stroke
1 in for Canadians has a heart condition, or stroke-related illness.

Up to 50,000 new strokes are reported in Canada annually.

There has been a 35% decrease in heart and stroke-related deaths over the past 10 years.

60% of stroke victims will be left with a disability.

Cancer
There were an estimated 129,300 new cancer cases in Canada in 1999.

There has been more than a 30% increase in the number of new cancer cases from 1988 to 1998.

1 in 3 women and 2 in 5 men will develop some form of cancer over their lifetime.

The probability of developing cancer increases with age.

Multiple Sclerosis
An estimated 50,000 Canadians suffer from MS.

Canada has one of the highest rates of MS in the world.

MS usually strikes young people between the ages of 20 and 40.

Kidney Disease
85% of kidney transplants are successful.

Paralysis
An estimated 900 Canadians sustain a spinal cord injury every year.

Critical Illness Coverage will keep the sun shining on you and your loved ones, every day
No one likes to think of the possibility of rain on a sunny day. Likewise with our health, we take it for granted that we will always be as fit and healthy as we are today.

A healthy lifestyle can help you reduce your chances of becoming ill, but it's not always enough.

With one in nine women developing breast cancer during their lifetime, and heart disease remaining the number one killer of Canadian women, the odds are that you already have a close friend or family member that has been diagnosed with a critical illness.

How can you maintain your current lifestyle, should you be diagnosed with a critical illness?

Cover your peace of mind
Critical Illness is a unique insurance product that provides a tax-free lump sum payment of the benefit amount (from $25,000 to $2,000,000) on diagnosis of such critical illnesses as:

Heart Attack
Coronary Artery Disease Requiring Surgery
Cancer
Stroke Multiple Sclerosis
Kidney Failure
Coma
Major Organ Transplant
Paralysis
Severe Burns
Deafness
Blindness
Loss of Limbs
Loss of Speech
Occupational HIV Injury
Motor Neuron Disease (ALS or Lou Gehrig's Disease)
Parkinson's Disease
Altzheimer's Disease

Return of Premium Option

Adding the Return of Premium Option to your policy will provide a refund of premiums should a Lifecheque claim not be made.

Cover your quality of life
Single working women are reliant only on their own income. Even with a company disability benefit plan, would 60% of your salary be enough to cover your daily expenses, let alone arrange for additional care?

Married women have the additional support of their spouse's income, but a leave of absence to help care for you could mean a reduction in his salary as well.

Women with children are already pulled in countless directions. Whether you're working inside and/or outside the home, keeping the household running when you're healthy doesn't leave you any spare time as it is. How would you cope with a critical illness?

The funds can be spent on what you feel is most important in your situation.

Income replacement
even with a disability plan at work, your current income could be reduced.

Medical Care
not all medication and surgical procedures are covered by government health plans.

Home Care
recovering at home may require medical assistance.

Daycare
full time or weekend sitters, the extra help could reduce the stress.

Household cleaning and laundry
there's enough to be concerned about without the nuisance of daily chores.

Home Renovation
may be needed to help you stay in your current home.

Recuperation getaway
what better way to recover than time away for pure rest and relaxation?

Cover your loved ones.

The last thing we want to think about is something happening to our children. However, some things are beyond our control.

The funds help you have the financial ability to give your children the care they deserve.

Add the Illness rider available from $5,000 to $100,000. Cover your children for the following conditions:

Congenital Heart Conditions
Muscular Dystrophy
Cerebral Palsy
Down's Syndrome
Cystic Fibrosis
Cancer
Kidney Failure
Blindness
Deafness
Loss of Speech
Major Organ Transplant
Paralysis

Business Coverage

Everyone likes to think that his or her business will continue for many years to come.

To consider that a critical illness could be responsible for the premature closure of your business or practice is unthinkable.

The question you should ask yourself is "How can I protect my business in the event that I'm diagnosed with a critical illness?"

Cover your assets
Critical Illness Insurance is a unique insurance product that provides a tax-free lump sum payment of the benefit amount (from $25,000 to $2,000,000) on diagnosis of any one of up eighteen different critical illnesses

How can critical life insurance benefit my business?
The funds would help you financially with situations such as:

Maintain an adequate cash flow
Complements Disability Income Protection
Provide funding for full or part-time replacement help
Maintain your earning potential
Ease creditors' concerns
Enhancement to Buy/Sell Agreements
Key Person Coverage

There is an option available for you to safeguard your business assets in the event of a critical illness.

The tax-free benefit of Critical Illness is the perfect complement to your life and disability income coverage.

Cover your Key people
What Critical Illness Plan is best suited for my business?

Level or Renewable Term Premium

Includes all 18 covered conditions well beyond your retirement years (age 75). Provides full protection for owners and managers who will be part of management beyond age 65 or as a portable retirement benefit.

Basic Coverage Plan
Coverage for the 4 primary conditions: Heart Attack, Coronary artery Disease Requiring Surgery, Cancer and Stroke. Provides coverage until retirement (age 65). An economical alternative to provide essential coverage for owners or key employees.

Plan Permanent
Permanent coverage for life. For owners who remain an essential part of the business for life.

Return of Premium Option
Adding the Return of Premium Option to your policy would provide a refund of premiums paid if no Lifecheque claim is payable. This option can be exercised at age 65 or 75 for return to the company or to fund retirement benefits.

There are many plans available to best meet your specific business needs..

Please send me a customized quote:

We recommend a personal consultation so that we can best determine the:

• Amount of coverage you need.
• The plan structure for you needs.
• The company and cost which will best service you needs.